abstract: about 60% of total premium of insurance industry is pertained?to life policies in the world; while the life insurance total premium in iran is less than 6% of total premium in insurance industry in 2008 (sigma, no 3/2009). among the reasons that discourage the life insurance industry is the problem of adverse selection. adverse selection theory describes a situation where the inf...

this study aimed to investigate the effects of listening strategy training on iranian efl learners listening comprehension and use of such strategies. this work, employing an experimental methodology, was conducted among 60 adult efl learners from a language institute in isfahan, iran, as participants. the participants, who were selected based on the results of a placement test, were assigned t...

tourism , today as one of the ways to make money, create jobs , and social and political interactions is considered. this paper aims to examine the strengths and weaknesses of tourism development in mahmoud abad ( mazandaran ). the research method in this study is " descriptive - analytical " and to collection of data used field methods such as questionnaires and documentation - library. the sa...

cement is an essential ingredient in the concrete buildings. for production of cement considerable amount of fossil fuel and electrical energy is consumed. on the other hand for generating one tone of portland cement, nearly one ton of carbon dioxide is released. it shows that 7 percent of the total released carbon dioxide in the world relates to the cement industry. considering ecological issu...

language learning courseware has been receiving growing attention by english educators since its advent. a variety of softwares have been designed by software designers and resorted to by language educators to supplement language textbooks. this experimental study investigated how the application of computerized version of language textbooks and the reception of the entire course through comput...

today, persian poetry is of great importance to many scholars around the world. the interest and attention of various cultures toward such a fine literature has given quite a good motivation for a comparative study. the major concern of the study is to investigate how nature is depicted through the works of the great english poet, william wordsworth (1770-1850) and the outstanding contemporary ...

this study investigates the relationship between field-related cognitive styles and global reading comprehension of hypertext. technically, field dependency is prevailing dominance of field on perception of parts, while global comprehension is skim-like reading to grasp the general content. in this research project, 60 senior and junior students of arak university majoring in english literature...

postcolonial feminism, also dubbed as third world feminism, is an innovative approach, demonstrating the way women of colonized countries suffer from both native patriarchies and imperial ideology. also due to this double-colonization, postcolonial feminists contend that third world women are subjected to both colonial domination of empire and male domination of patriarchy. while western femini...

most specialists in the field of foreign language teachingconsiderreading skill as an interactive process between the reader’s prior knowledge and the text.accordingly, the activation of prior knowledge for an effective comprehension is very important. it is generally agreed that the pre-reading phase is the stage where this type of interaction and activation may be enhanced throughcertain stra...

abstract nowadays, industries cannot play a crucial role in national and international competitions. the tourism industry is no exception. tourism industry development as the most important economic sector and income generation is one of the key challenges of economic development in the world. therefore, countries were successful that take advantage of the capabilities of tourism sector using ...